What is Car Insurance?

Car insurance is defined as a contracted agreement between an individual driver and an auto insurance company, to protect against financial losses associated with a vehicle accident or other form of vehicle or personal damage. Put simply, car insurance will help pay for bills if you ever get in a car wreck. The extent of that coverage, however, depends upon each individual insurance policy. There are many different forms of auto insurance coverage, and each person should get custom car insurance quotes to get the specific coverage to fit their needs.

Who Needs Car Insurance?

If you drive a vehicle, you need car insurance. Its as simple as that. In fact, each state in the US requires that you carry some form of liability car insurance, though the definition of liability insurance may vary by state. Basically, liability is cheap car insurance that covers damage done to another person or car if you are in an accident and it is your fault. Liability coverage will pay for the damages to their vehicle and most likely their medical expenses, but this depends on your specific policy and situation. You should get custom car insurance quotes to find out the amount of coverage you need based on personal situation and State requirements.

Even if you have a vehicle that you do not drive, it is still wise to get cheap car insurance. For one, it will cover unforeseen damages like a tree falling on the car, vandalism, or uncontrollable damage not associated with driving. There are certain cheap car insurance policies which cover collectible cars and other non-driven vehicles. Secondly, many states will penalize a vehicle owner for lapses in coverage. So, while you may not be driving a vehicle due to a revoked license, temporary handicap or other reason, you should still carry car insurance so you are not penalized for a lapse in coverage. You can speak with your agent and modify your auto insurance policy while you are not driving.

General Types of Car Insurance

Liability Insurance: This is a cheap car insurance policy which will cover the damages done to the victim of a car accident when you are at-fault. It covers the medical and property costs for the other party.

Uninsured Coverage: This auto insurance policy will protect you against a driver who has no liability insurance or auto insurance of any kind. This policy will cover medical and property damage in most cases. 


Collision Coverage: This auto insurance policy will cover all costs associated in a collision, whether or not you were at fault. This will cover your medical costs and vehicle damage to a set limit.

Comprehensive Insurance: This type of auto insurance policy is known as "full coverage" as it will cover any damage to your vehicle that is not associated with a collision, such as vandalism or damage done by a natural disaster like hurricane, tornado, etc. This is no cheap car insurance, but is a very good form of protection.

There are many forms of car insurance that can be tailored to each and every individual driver. Check for cheap car insurance quotes online and have a custom quote designed specifically for your situation. Get car insurance quotes from several independent providers to find you the best, cheap car insurance to suit your needs.